Lincoln County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lincoln County, OR distress report, 2026: 18 ZIPs scored in Lincoln, OR, Lincoln, OR average 27/100; the top Lincoln, OR ZIP is 97498 at 28/100; Lincoln, OR market phase peak, Lincoln, OR prices +1.2% year over year.
- Lincoln, OR ranks #910 nationally (opportunity index); Lincoln, OR #7 in Oregon; Lincoln, OR index 31.5.
- Lincoln, OR: no CFPB county sample; Lincoln, OR state reading 0.6%.
- Lincoln, OR ZIP phases: 14 peak, 3 neutral, 1 recovery.
- Lincoln, OR residential listings tracked: 41 across 16 ZIPs; Lincoln, OR candidate listings 24.
- Lincoln, OR HUD assisted properties: 1 with 80 units.
- Lincoln, OR lenders on watch: 2; largest Lincoln, OR footprint Oregon Coast Bank (4 branches).
- Lincoln, OR most distressed ZIP: 97498 at 28/100.
Lincoln, OR figures: DLRadar distress index; Lincoln, OR inputs: CFPB, FHFA, HUD, FDIC; Lincoln, OR rebuilt as sources refresh.
| Rank | Lincoln, OR ZIP | Score |
|---|---|---|
| 1 | 97498 | 28/100 |
| 2 | 97341 | 27/100 |
| 3 | 97343 | 27/100 |
| 4 | 97357 | 27/100 |
| 5 | 97364 | 27/100 |
| 6 | 97365 | 27/100 |
| 7 | 97366 | 27/100 |
| 8 | 97367 | 27/100 |
| 9 | 97369 | 27/100 |
| 10 | 97376 | 27/100 |
| 11 | 97380 | 27/100 |
| 12 | 97388 | 27/100 |
Most distressed Lincoln, OR ZIPs (0-100, 2026)
Mortgage delinquency around Lincoln, OR
No CFPB county sample covers Lincoln, OR; the state reading for Lincoln, OR: 0.6% ninety-plus; Lincoln, OR area thirty-to-eighty-nine 1.2% (December 2025, Lincoln, OR).
Opportunity index: Lincoln, OR
Lincoln, OR index 31.5, Lincoln, OR phase early_signal; Lincoln, OR primary driver vacancy, Lincoln, OR second driver bank institutional. Lincoln, OR components: property stress 28.6, foreclosure pressure 33.0, listing discounts 22.8, bank stress 54.7, insurance 0.0; Lincoln, OR pulse 36.6; Lincoln, OR capital opportunity 23.9; Lincoln, OR seven-day change -0.4%.
ZIP market phases inside Lincoln, OR
18 Lincoln, OR ZIPs carry a price-cycle phase; Lincoln, OR ZIPs by phase (Lincoln, OR), deepest drawdown first: neutral, +4.7% YoY (Lincoln, OR): 97324; recovery, +2.8% YoY (Lincoln, OR): 97326; peak, +1.2% YoY (Lincoln, OR): 97341, 97343, 97357, 97364, Lincoln, OR 97365, 97366, 97367, 97369, Lincoln, OR 97376, 97380, 97388, 97391; peak, +1.3% YoY (Lincoln, OR): 97368; neutral, +1.9% YoY (Lincoln, OR): 97390.
Residential listings by Lincoln, OR ZIP
Lincoln, OR ZIPs with the most tracked Lincoln, OR residential listings: 97391 8 listings, 6 candidates, bank pressure 65; 97394 8 listings, 4 candidates, bank pressure 65; 97341 7 listings, 3 candidates, bank pressure 65; 97367 7 listings, 3 candidates, bank pressure 65 (Lincoln, OR); 97365 5 listings, 5 candidates, bank pressure 65; 97388 4 listings, 2 candidates, bank pressure 65; 97368 2 listings, 1 candidates, bank pressure 65; 97326 0 listings, 0 candidates, bank pressure 67. Lincoln, OR totals: 41 listings; Lincoln, OR candidates 24; active ZIPs 0.
HUD assisted housing in Lincoln, OR
1 assisted properties with 80 units sit in Lincoln, OR; largest Lincoln, OR properties: The Ridge Apartments (Lincoln City) 80 units.
Lenders with branches in Lincoln, OR
Lincoln, OR lenders by branch count: Oregon Coast Bank (Lincoln, OR): stress 71, 4 branches low in Lincoln, OR; Columbia Bank (Lincoln, OR): stress 58, 3 branches low in Lincoln, OR.
Vacancy and permits, Lincoln, OR
9,513 of 32,628 Lincoln, OR housing units are vacant; Lincoln, OR permits, twelve months: 129 multifamily units in Lincoln, OR, 124 one-to-four unit units.
Work Lincoln, OR at the parcel level
Every Lincoln, OR parcel carries owner and address; every Lincoln, OR parcel carries APN; Lincoln, OR distress scores sit on the Lincoln, OR live board.
Lincoln, OR figures refresh with each source.
Lincoln, OR questions
Most distressed ZIP code in Lincoln County, OR?
ZIP 97498 leads Lincoln, OR at 28/100; next in Lincoln, OR: 97341 at 27/100; the Lincoln, OR average is 27/100.
Where does Lincoln County, OR rank for investment opportunity?
Lincoln, OR is #910 among all ranked counties, #7 in Oregon; the Lincoln, OR driver is vacancy; Lincoln, OR moved down 216 places.
How many mortgages are delinquent in Lincoln County, OR?
Lincoln, OR takes the state reading of 0.6% for December 2025; no CFPB county sample covers Lincoln, OR.
Which banks lend in Lincoln County, OR?
2 watched lenders hold Lincoln, OR branches; the largest Lincoln, OR footprints are Oregon Coast Bank (4), Columbia Bank (3).
More on Lincoln, OR
Lincoln County, OR distress report: public-record figures for Lincoln, OR; not legal advice for Lincoln, OR; not tax or investment advice; verify every Lincoln, OR record before acting.